:root{--navy:#112332;--ink:#162b3b;--muted:#536473;--gold:#ebbc6d;--line:#dbe2e7;--light:#f3f6f8}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.6}h1,h2,h3,p{margin-top:0}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;line-height:1.13;letter-spacing:-.035em}h1{font-size:clamp(2.6rem,5.6vw,5.2rem)}h2{font-size:clamp(1.9rem,3vw,2.6rem)}h3{font-size:1.25rem;line-height:1.25}a{color:inherit;text-underline-offset:4px}button,input,textarea{font:inherit}button,a,input,textarea,summary{touch-action:manipulation}button{cursor:pointer}.wrap{width:min(1280px,calc(100% - 80px));margin:auto}.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.14em;line-height:1.4;margin-bottom:22px}.lead{font-size:1.2rem;line-height:1.6;color:var(--muted)}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:100;box-shadow:0 3px 14px #1123320d}.nav{min-height:100px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:flex;align-items:center;gap:14px;text-decoration:none;font-size:1.2rem;font-weight:bold;line-height:1.25}.brand small{display:block;font-size:.65rem;letter-spacing:.12em;margin-top:7px;color:var(--muted)}.brandmark{background:var(--navy);color:var(--gold);padding:12px 8px;border-radius:8px;font-size:1rem}nav{display:flex;align-items:center;gap:26px;font-size:.9rem}nav>a{text-decoration:none}.button{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;background:var(--navy);border:1px solid var(--navy);color:white;padding:13px 20px;min-height:48px;border-radius:6px;font-weight:bold;font-size:.92rem;text-align:center;line-height:1.4;transition:background .2s,transform .2s}.button:hover{background:#29475d}.button:disabled{opacity:.65;cursor:wait}.button.gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}.button.gold:hover{background:#f4ca85}.menu{position:relative}.menu summary{cursor:pointer}.menu>div{position:absolute;top:35px;right:0;width:230px;padding:12px;background:white;box-shadow:0 12px 40px #11233222;border:1px solid var(--line);border-radius:8px}.menu a{display:block;padding:9px 12px;text-decoration:none}.menu a:hover{background:var(--light)}.hero{background:var(--navy);color:white;padding:64px 0 72px}.herogrid{display:grid;grid-template-columns:minmax(0,1.04fr) minmax(0,1fr);gap:75px;align-items:start}.herocopy{padding-top:15px}.herocopy h1{margin-bottom:27px}.herocopy h1 em{color:var(--gold);font-weight:400}.hero .lead{color:#c4d0d9;max-width:500px;margin-bottom:28px}.actions{display:flex;align-items:center;gap:25px;flex-wrap:wrap}.textlink{font-size:.92rem;text-decoration:underline}.identity{margin-top:40px;padding-top:25px;border-top:1px solid #ffffff30;max-width:460px}.identity strong,.identity span{display:block}.identity span{font-size:.88rem;color:#bdcbd6;margin-top:3px}.heronote{font-size:.88rem;max-width:410px;color:#bdcbd6;margin:25px 0 0}.formcard{background:white;color:var(--ink);padding:32px;border-radius:12px;box-shadow:0 12px 35px #00000010}.formcard h2{font-size:1.9rem;letter-spacing:-.03em;margin-bottom:12px}.formcard>p:not(.eyebrow){color:var(--muted);font-size:.94rem;line-height:1.5;margin-bottom:22px}.formcard .eyebrow{font-size:.73rem;color:var(--muted);margin-bottom:15px}.inquiry label{display:block;font-size:.87rem;font-weight:bold;margin-bottom:15px;line-height:1.4}.inquiry label>span{font-weight:normal;color:var(--muted);font-size:.8rem}.inquiry input:not([type=checkbox]),.inquiry textarea{display:block;width:100%;margin-top:7px;border:1px solid #bdc9d2;border-radius:5px;padding:11px;background:#fff;color:var(--ink);font-size:1rem;line-height:1.4}.inquiry textarea{resize:vertical}.inquiry input::placeholder,.inquiry textarea::placeholder{color:#697987;font-size:.9rem}.formrow{display:grid;grid-template-columns:1fr 1fr;gap:16px}.inquiry .consent{display:flex;align-items:flex-start;gap:9px;font-size:.8rem;line-height:1.5;font-weight:normal}.consent input{margin-top:4px;flex:none;width:16px;height:16px;accent-color:var(--navy)}.consent span{font-size:.8rem!important}.inquiry .button{width:100%}.formnote{display:block;color:var(--muted);font-size:.75rem;line-height:1.5}.formstatus{font-size:.88rem;margin:10px 0;line-height:1.5}.formstatus:empty{margin:6px}.formstatus.error{color:#a22323}.formstatus.success{color:#246243}.honeypot{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.updates{padding:44px 0;display:grid;grid-template-columns:1fr 1.3fr;gap:65px;align-items:center}.updates .eyebrow{margin-bottom:12px;color:var(--muted)}.updates h2{font-size:1.8rem;margin-bottom:0}.updates p{font-size:.96rem;margin-bottom:12px}.updates a{font-size:.87rem;font-weight:bold}.separator{color:#a9b5bf;padding:0 8px}.lightsection{background:var(--light);padding:65px 0}.sectionhead{display:flex;align-items:flex-end;justify-content:space-between;gap:40px;margin-bottom:34px}.sectionhead .eyebrow{margin-bottom:13px}.sectionhead h2{margin-bottom:0}.sectionhead>p{font-size:.95rem;color:var(--muted);margin-bottom:0}.guidegrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.guidecard{display:block;background:white;border:1px solid var(--line);border-radius:8px;padding:25px;text-decoration:none;transition:border-color .2s,transform .2s}.guidecard:hover{border-color:#59798f;transform:translateY(-3px)}.cardtop{display:flex;justify-content:space-between;align-items:center;gap:12px;font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:26px}.cardnumber{font-family:Georgia,serif;font-size:1.6rem;color:#a7b7c2}.guidecard h3{font-size:1.5rem;letter-spacing:-.02em;margin-bottom:12px}.guidecard p{color:var(--muted);font-size:.94rem;min-height:50px;margin-bottom:24px}.readguide{font-size:.85rem;font-weight:bold;border-bottom:1px solid #98a8b4;padding-bottom:4px}.preparation{padding:72px 0;display:grid;grid-template-columns:1fr 1.1fr;gap:100px}.preparation>div>p:last-child{max-width:460px;color:var(--muted)}.preparation ol{list-style:none;padding:0;margin:0}.preparation li{display:flex;gap:22px;border-bottom:1px solid var(--line);padding:19px 0}.preparation li:first-child{padding-top:0}.preparation li>span{font-size:1.1rem;font-family:Georgia,serif;color:var(--muted)}.preparation h3{margin:0 0 8px}.preparation li p{margin:0;font-size:.94rem;color:var(--muted)}.cta{background:var(--navy);color:white;padding:60px 0}.cta p:not(.eyebrow){color:#cad5dd}.cta .actions{margin-top:26px}footer{padding:52px 0 20px;background:#fff}.footergrid{display:grid;grid-template-columns:1fr .8fr 1.2fr;gap:55px;font-size:.85rem}.footergrid .brand{font-family:Georgia,serif;font-size:1.4rem}.footergrid p{color:var(--muted);margin:16px 0}.footerlinks{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:16px}.footerlinks a{text-decoration:none}.legal{border-top:1px solid var(--line);padding-top:22px;margin-top:30px;color:var(--muted);font-size:.75rem}.legal p:last-child{margin-bottom:0}.articlehero{padding:55px 0;background:var(--navy);color:white}.breadcrumb{font-size:.85rem;display:block;margin-bottom:28px;color:#c2ced6}.articlehero h1{font-size:clamp(2.5rem,4vw,3.8rem);margin-bottom:20px}.articlehero .lead{max-width:820px;color:#c4d0d9;margin-bottom:20px}.articlehero .eyebrow{margin-bottom:16px;color:var(--gold)}.reviewdate{font-size:.8rem;color:#c4d0d9;margin-bottom:0}.articlegrid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:85px;padding:55px 0}.articlegrid article section{margin-bottom:32px}.articlegrid article h2{font-size:1.9rem;margin-bottom:17px}.articlegrid article p{color:var(--muted);line-height:1.8}.asidecard{background:var(--light);padding:26px;border-radius:10px;border:1px solid var(--line)}.asidecard h2{font-size:1.6rem}.asidecard .eyebrow{font-size:.73rem;margin-bottom:15px}.asidecard ul{padding-left:20px;color:var(--muted);font-size:.92rem;margin-bottom:26px}.asidecard li{margin-bottom:12px}.asidecard .button,.secondarybutton{display:flex;width:100%;margin-top:12px}.secondarybutton{justify-content:center;padding:10px;text-decoration:none;font-weight:bold;font-size:.88rem;border:1px solid #adbcc7;border-radius:6px}.small{font-size:.83rem;color:var(--muted);line-height:1.6;margin-top:24px}.sources{border-top:1px solid var(--line);padding-top:25px}.sources a{display:block;font-size:.9rem;margin:11px 0}.sources p{font-size:.9rem}.related{display:flex;flex-wrap:wrap;gap:12px}.related a{background:white;border:1px solid var(--line);border-radius:5px;text-decoration:none;padding:11px 18px;font-size:.9rem}.contactpage{display:grid;grid-template-columns:1fr 1.1fr;gap:80px;padding:64px 0}.contactpage h1{font-size:clamp(2.6rem,4vw,4rem)}.contactnote{border-top:1px solid var(--line);margin-top:35px;padding-top:30px}.contactnote h2{font-size:1.6rem}.contactnote p{color:var(--muted)}.contactpage .formcard{border:1px solid var(--line)}.privacypage{max-width:850px;padding:65px 0}.privacypage h1{font-size:3.4rem}.privacypage h2{font-size:1.8rem;margin-top:35px}.privacypage p{color:var(--muted)}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:white;padding:12px;z-index:100}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #b4792c;outline-offset:4px}input:focus,textarea:focus{outline:2px solid #55768f;outline-offset:1px}
@media(max-width:1050px){.wrap{width:calc(100% - 48px)}.herogrid{gap:35px}.nav{gap:20px}nav{gap:16px}.nav-consult{display:none}.herocopy h1{font-size:4rem}.formcard{padding:25px}.articlegrid{gap:40px;grid-template-columns:1fr 300px}.contactpage{gap:35px}.preparation{gap:50px}}
@media(max-width:760px){.wrap{width:calc(100% - 36px)}.nav{min-height:90px;flex-wrap:wrap;padding:18px 0;gap:16px}.brand{font-size:1.05rem}.brand small{font-size:.6rem}.brandmark{padding:10px 7px}.nav nav{width:100%;justify-content:space-between;gap:12px}nav .button{font-size:.8rem;padding:11px 14px;min-height:44px}.menu>div{left:0;right:auto}.hero{padding:32px 0 40px}.herogrid{grid-template-columns:1fr;gap:34px}.herocopy{padding:0}.herocopy h1{font-size:clamp(2.5rem,10.5vw,3.5rem);line-height:1.1;margin-bottom:20px}.herocopy h1 br:nth-child(2){display:initial}.herocopy .lead{font-size:1.08rem;margin-bottom:23px}.eyebrow{margin-bottom:17px}.identity{margin-top:27px;padding-top:20px}.heronote{margin-top:16px}.formcard{padding:24px 20px}.formcard h2{font-size:1.7rem}.formrow{grid-template-columns:1fr;gap:0}.inquiry label{margin-bottom:14px}.updates{grid-template-columns:1fr;gap:20px;padding:34px 0}.updates h2{font-size:1.8rem}.updates a{display:inline-block}.separator{display:none}.updates a:last-child{display:block;margin-top:12px}.lightsection{padding:40px 0}.sectionhead{display:block;margin-bottom:25px}.sectionhead>p{margin-top:18px}.sectionhead h2{font-size:2rem}.guidegrid{grid-template-columns:1fr}.guidecard{padding:24px}.cardtop{margin-bottom:17px}.guidecard p{min-height:0;margin-bottom:19px}.preparation{grid-template-columns:1fr;gap:24px;padding:42px 0}.preparation h2 br{display:none}.cta{padding:42px 0}.cta h2{font-size:2rem}.actions{gap:20px}.footergrid{grid-template-columns:1fr;gap:30px}footer{padding-top:36px}.footerlinks{max-width:400px}.legal{margin-top:30px}.articlehero{padding:35px 0}.articlehero h1{font-size:2.5rem}.articlehero .lead{font-size:1.08rem}.articlegrid{grid-template-columns:1fr;gap:25px;padding:35px 0}.articlegrid article h2{font-size:1.7rem}.articlegrid article section{margin-bottom:27px}.contactpage{grid-template-columns:1fr;gap:32px;padding:35px 0}.contactpage h1{font-size:3rem}.contactpage h1 br{display:none}.contactpage .lead{font-size:1.08rem}.contactnote{margin-top:25px;padding-top:24px}.privacypage{padding:35px 0}.privacypage h1{font-size:2.6rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

body{overflow-wrap:break-word}button{border-radius:6px}

/* Responsive sizing: let grid and flex children fit their available width. */
.herogrid>*,.formrow>*,.updates>*,.guidegrid>*,.preparation>*,
.footergrid>*,.articlegrid>*,.contactpage>*,.nav>*,.brand>span{min-width:0}
img,svg,video{max-width:100%;height:auto}
.herocopy h1,.articlehero h1,.contactpage h1,.privacypage h1{overflow-wrap:anywhere}
.sources a,.legal a,.footergrid a{overflow-wrap:anywhere}
@media(max-width:760px){
  .herogrid,.formrow,.updates,.guidegrid,.preparation,.footergrid,.articlegrid,.contactpage{grid-template-columns:minmax(0,1fr)}
  .actions{flex-direction:column;align-items:stretch;gap:16px}
  .actions .button{width:100%;max-width:100%}
  .actions .textlink{text-align:center;padding:8px 0}
  .nav nav{flex-wrap:wrap}
  .brandmark{flex-shrink:0}
  .menu>div{width:min(230px,calc(100vw - 36px))}
}

/* Prominent confirmation after a successful inquiry submission. */
.formstatus.success{color:#174f37;background:#eefaf3;border:2px solid #68ad86;border-radius:8px;padding:20px;margin:18px 0}
.formstatus.success strong,.formstatus.success span{display:block}
.formstatus.success strong{font-size:1.08rem;margin-bottom:6px}
.formstatus.success .button{width:auto;margin-top:15px;background:#174f37;border-color:#174f37;color:#fff}
@media(max-width:480px){
  .nav nav{gap:14px;align-items:flex-start}
  .nav nav>.menu{width:100%}
  .nav nav>.button{width:100%;font-size:.9rem;min-height:46px}
  .hero .eyebrow{font-size:.72rem;letter-spacing:.12em}
}

/* PDF upload field */
.inquiry input[type="file"]{padding:10px;background:#fff;cursor:pointer;width:100%;}
.inquiry .filehint{display:block;font-weight:400;font-size:.85em;opacity:.75;margin-top:6px;line-height:1.4;}